Government Operations committee  We provide services to about seven million members and clients.

Government Operations committee  No, I don't know the exact percentages.

Government Operations committee  These seven million people are fairly well spread out across all age groups.

Government Operations committee  That's a fairly big question. We're talking about re-invention here. Since Desjardins is a co-op and serves a very large population, we involve our members when we're looking for ideas like this. Many have brought up financial technology. For example, Desjardins has set up labo

Government Operations committee  Thank you. I think this point is very important. People often tend to consider the population as a whole, when certain groups are probably more vulnerable. We have seen a significant decline in use by seniors. As I said earlier, the percentage dropped to about 3%. That's why all

Government Operations committee  Anything is possible with Canada Post. Canada Post has never approached us to that end. Setting up a financial institution is extremely cumbersome in terms of regulations, costs, and everything else. I'm not sure whether this is a solution for Canada Post. Canada Post should car

Government Operations committee  It is not a decision made by the group but by the location. The credit union makes the decision as a function of the use of its services. As I mentioned just now, when counter services fall to 3% and the vast majority of transactions are done electronically, it is simply not poss

Government Operations committee  There is a mix of the two, but our members ultimately decide. With a 98% increase in services on the Internet or on technology platforms like AccèsD, the use of our physical services is in free-fall. So the members decide how they will use our services. Of course, there are ot

Government Operations committee  Okay.

Government Operations committee  Yes.

Government Operations committee  We do not really have an opinion about it because we do not see it as competition per se. However, you will have to ask yourselves if it is a genuine solution for Canada Post. In terms of the business model, I am not sure that it is a possibility or a moneymaker or that it woul

Government Operations committee  Thank you, Mr. Ayoub. Yes, it is always a possibility. I will let my colleague answer the question about our fluctuating volume of mailings. As for Desjardins, it is important to note that we are more present in Quebec than any other financial institution, such as the major ba

Government Operations committee  In closing, thank you to the committee for allowing us to speak about the issue. We have a great deal of information, and Desjardins Group is there to answer your questions and give you things to consider. Thank you.

Government Operations committee  Thank you, Mr. Chair. My name is Bernard Brun. I'll start with some opening remarks and a short introduction of Desjardins Group. First, thank you for inviting us and for listening to us this afternoon. It's especially meaningful since Desjardins Group started here, in Lévis, o